The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$59,169
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,009
−HK$1,870/mo
Today · 4.125%
HK$62,879
baseline
▲ 0.50% · 4.625%
HK$66,705
+HK$3,826/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,758/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,825
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,590
−HK$1,791/mo
Today · 4.125%
HK$69,381
baseline
▲ 0.50% · 4.625%
HK$73,038
+HK$3,657/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,762/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,003
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,211
−HK$2,244/mo
Today · 4.125%
HK$75,455
baseline
▲ 0.50% · 4.625%
HK$80,046
+HK$4,591/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,910/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,990
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,108
−HK$2,149/mo
Today · 4.125%
HK$83,257
baseline
▲ 0.50% · 4.625%
HK$87,646
+HK$4,389/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,514/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,837
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,413
−HK$2,618/mo
Today · 4.125%
HK$88,031
baseline
▲ 0.50% · 4.625%
HK$93,388
+HK$5,357/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,062/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,155
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,626
−HK$2,508/mo
Today · 4.125%
HK$97,134
baseline
▲ 0.50% · 4.625%
HK$102,254
+HK$5,120/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,268/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,504
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$109,817
−HK$3,366/mo
Today · 4.125%
HK$113,183
baseline
▲ 0.50% · 4.625%
HK$120,070
+HK$6,887/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,366/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,485
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,662
−HK$3,224/mo
Today · 4.125%
HK$124,886
baseline
▲ 0.50% · 4.625%
HK$131,469
+HK$6,583/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,772/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,806 · Scale 2, in force from 26 Feb 2026)